Hi Nelly and welcome to the forum.

Could I please check whether:

1 - You agreed to a six year trust deed at the start?

or/

2 - The term of your trust deed was extended after your trust deed began?

It was signed of at 6 yrs from the start as I didn't have an extra 15 to pay a month.

I'm afraid this is a question that only your trustee could answer for you. It is possible that they could reduce your term if you are paying more, however the terms of your agreement are likely to be that you have agreed to pay whatever you can reasonably afford for a 6-year period, however much that might be.

£15pm seems a very small amount to merit having to pay an extra 2 years. How much were your monthly payments set at and what was your debt total, if you don't mind me asking?

Hi, I pay 93 pm but I've just checked and it was an extra 20 pm they said 4 yrs I couldn't do the other 20 so it was 6 urs. I'm unsure exactly how much. #129300; around 11 or 12 thousand

Was there a particular reason you didn't go down the bankruptcy route instead then, Nelly? There would have been no need for the extra 2 years then.

I had thought about it but thought I might be sacked from my job. The debt company didn't give me a chance really to find out and I felt I was forced into a desicion right there and then. Since that I found out I would have still had my job I'm gutted .

Unfortunately it is something we hear way too often. There is no reason the firm involved couldn't have given you time to find out about this before deciding. Entering a Trust Deed should never be the result of a sales process.

Hopefully they will allow you to reduce the term accordingly if you are able to pay more now. If they say not then I guess you could kick up a bit of a fuss about how this was sold to you in the first place - they may see it differently if they think there is a chance you might make a complaint.